For many businesses, owning commercial property is more than a milestone—it’s a strategy. It creates equity, adds financial stability, and can even reduce operating costs. But how do you finance that next big move?

Longevity is a sign of stability. Businesses with longer operational histories often have stronger credit profiles.

Each time you apply for new credit, it can generate a hard inquiry. And while one or two isn’t a big deal, too many in a short time can raise red flags.

Up next on our personal credit series... Number of accounts! Your credit score takes into account how many open accounts you have—but it’s not just about quantity. Lenders want to see that you can responsibly manage multiple accounts

Writing a business blog without discussing personal credit and the components that comprise your score feels like teaching someone to ride a bike without wheels. In my career in business finance I can't count the number of times a few tweaks to a client's personal credit score could have boosted the overall appeal of a request to either push it from a decline to an approval, or a good approval to a great approval.

In the lending world, we often start talking about credit after it’s already become an obstacle. But building a strong credit profile takes time—and that includes the age of your accounts. A good credit score boils down to good habits, disciplined budgeting, thoughtful forecasting, and consistent monitoring.

Running a business often means staying ahead with the right equipment—whether it’s trucks, medical devices, or heavy machinery. But buying equipment outright can tie up cash you’d rather keep on hand. That’s where Equipment Financing comes in.

When your business needs cash for day-to-day operations, you have a few great financing options—but two of the most common are working capital loans and lines of credit. While both provide access to funds, they serve different needs.

When your business needs new equipment, vehicles, or other high-cost assets, you generally have two options: lease or finance. Each has its advantages depending on your goals, cash flow, and how long you plan to use the asset.

PayNet tracks serious credit issues like defaults, collections, and major delinquencies. These negative marks have a significant effect on your score.

Your business doesn’t operate in a vacuum. PayNet benchmarks your performance against others in your industry to help lenders assess relative risk.

Over the years, I’ve seen credit reporting in the commercial lending world grow more complex and confusing for business owners. By diving into specific areas of each credit eport my hope is I can bring some clarity and actionable items to help business owners acquire business loans with more confidence and less uncertainty.

Trade credit history plays a vital role in how lenders view your business's financial behavior. In your PayNet report, this section outlines how reliably you pay back vendors and suppliers who extend credit terms.

In today’s unusual interest rate landscape, short-term loans might seem more appealing than ever. We’re in an inverted yield curve environment—where short-term interest rates are higher than long-term rates. That’s the opposite of what we usually see, and it has important implications for your financing strategy.

When applying for business financing, you may come across the term UCC filing—but what exactly does it mean, and how does it impact your business? Understanding UCC filings is essential for business owners who want to navigate commercial loans and protect their assets effectively.

When applying for a business loan, lenders analyze several financial metrics to assess your company’s ability to repay debt. One of the most important figures they consider is EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization). But what exactly does EBITDA mean, and why does it matter for your business financing?

Securing a commercial loan requires lenders to assess multiple financial factors, one of which is comparable debt. Understanding how comparable debt is evaluated can help business owners better prepare for loan applications and improve their chances of approval.

Your personal credit score plays a crucial role in your financial health, affecting your ability to secure loans, credit cards, and even housing or job opportunities.

I spent some time this week untangling one of the most common questions I get from business owners:“Should I go for an SBA loan or a traditional business loan?”